Mortgages · Plain-English guide
Mortgage deal ending? Start six months before
Leaving it late can mean falling onto your lender's standard variable rate. Starting early gives you time to compare without rushing a major decision.
Reviewed 8 September 2026 · 3-minute read
The simple checklist
Do these in order
- Put the exact deal end date in your calendar and start up to six months ahead.
- Ask your current lender what deals you can move to and whether fees or checks apply.
- Compare rate, arrangement fee, valuation and legal costs—not just the monthly payment.
- Check any early-repayment charge and how much you expect to owe at the switch date.
- Consider regulated mortgage advice, especially if your income, home or circumstances have changed.
Check the official guidance
Free, government-backed guidance on timing and remortgaging costs.
MoneyHelper: remortgaging to cut costs ↗One bill. One decision.
Still unsure?
Use the free Square Peg Check for a clear route: stick, negotiate, cancel or compare.
Take the Square Peg CheckCompare mortgages routes →Get the weekly email →This guide is general information, not personal financial advice. Prices, rules and eligibility can change. Check the latest terms before acting.